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Locality Bank
Fort Lauderdale, FL · FDIC Certificate #59278 · Chartered 01/1
Total assets
$396.24M
Total deposits
$346.02M
Total equity
$48.55M
Net loans
$308.46M
Branches (offices)
1
Net income (YTD)
$541.00K
Rank: #2,072 of 4,213 U.S. banks by assets · #49 of 81 in Florida. Assets changed 29.5% and deposits 38.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.29% |
| Return on equity | 2.24% |
| Net interest margin (YTD) | 3.93% |
| Equity to assets | 12.25% |
| Tier 1 leverage ratio | 12.91% |
| Uninsured deposits (share of deposits) | 51.3% |
| Noncurrent loans (share of loans) | 1.55% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 89.1% |
| Real estate loans (share of loans) | 94.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $291.83M | 94.6% | |
| Commercial & industrial | $22.60M | 7.3% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $24.84M | 8.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $72.49M | $35.87M | -$3.47M | $35.60M |
| Jun 2023 | $130.59M | $96.14M | -$1.11M | $33.29M |
| Jun 2024 | $233.35M | $199.60M | -$1.75M | $30.62M |
| Jun 2025 | $305.90M | $249.63M | -$315.00K | $46.91M |
| Jun 2026 | $396.24M | $346.02M | $541.00K | $48.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $346.02M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $346.02M.
Similar-sized banks
First Secure Bank And Trust Co. ($396.24M) · First Iowa State Bank ($396.12M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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